1, 1, submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2. Day 2-7 Assessment

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3. Day 8 Bank Approval-10

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

4. Pay the down payment on11-33 and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5.34-35: Go through the mortgage registration and insurance procedures, and lend money from the bank.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

What are the procedures for handling second-hand housing loans?

Second-hand housing loans approved, began to repay the loan, and then go to the bank to get the loan contract. Materials required for second-hand housing loan: 1, original and photocopy of ID card; 2. The original purchase contract or letter of intent signed with the seller; 3. The original and photocopy of the down payment certificate; 4. Proof of marital status: original and photocopy of marriage certificate, divorce certificate and unmarried certificate; 5. The original and photocopy of the household registration book; 6. Original credit certificate (using the standard format provided by the bank). Due to the complicated income situation of the borrower, the staff may require the original and photocopy of other relevant certification materials. If the borrower is a self-employed, the staff can provide a copy of the business license, the tax payment certificate for the last three months, the property right certificate of the business premises or the lease contract; If the borrower is the legal representative, responsible person or shareholder of the enterprise, it shall produce a copy of the business license, articles of association, recent balance sheet and tax payment certificate; If the loan applicant indicates that there are other sources of income other than wage income, relevant certification materials shall be submitted. Such as interest income, certificates such as certificates of deposit and treasury bills should be provided; Housing rental income, should provide housing property certificate or lease contract; For investment income, the investment certificate, dividend resolution and payment voucher of the invested entity shall be provided. 7. Other information required by the bank.

How can the seller get the house payment when buying a second-hand house buyer loan?

For second-hand housing loans, the bank will call the seller directly. Simple procedures: the buyer pays the seller the down payment, the buyer and the seller bring their ID cards, household registration books, marriage certificates, real estate licenses, land certificates or immovable property certificates, and evaluation reports, and the buyer needs to issue income certificates to the bank to sign and apply for second-hand housing loans; After approval, the buyer and the seller transfer ownership; After the transfer, the buyer mortgaged the property to the bank; Finally, the bank lends money to the seller. Suggestion: A third party, such as a professional intermediary company, should intervene to ensure the transaction safety of buyers and sellers.

How long does it take for a second-hand house to go from loan to loan to account? What's the procedure in the middle?

It takes about 30-50 days from lending to lending.

Second-hand housing loan process

1. The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. After the three parties agree on the time, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.

2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days.

3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days.

4. After approval, the buyer shall pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5. After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Extended data

Second-hand housing loan requirements

1. The following housing types can apply for second-hand housing loans: commercial housing, affordable housing, housing reform housing, central production housing that can be listed, office buildings, shops and apartments.

2. Time requirement for house completion: houses completed after 1993 are not within the scope, and there are no signs or debts.

3. Completion time and loan amount of the house: 80% of the highest loanable appraisal price of the commercial house with the completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank)

4. For the housing loan issued by the borrower who purchases the second-hand house, the borrower must use the second-hand house purchased as collateral, otherwise it will not lend.